Best Cashback & Investing App Sign-Up Bonuses
Updated October 2026
Free-to-join apps that pay you for shopping you already do, or give you free stock to start investing.
👩🍼 Mama's #1 pick:Top pick: Rakuten, $50 welcome bonus. $50 just for your first qualifying purchase. After that, the cash back keeps adding up.
- #1
Rakuten
Rakuten
$50 welcome bonus
See terms
- #2
TopCashback
TopCashback
Cash back on every purchase
See terms
- #3
Robinhood
Robinhood
Free stock
See terms
Side-by-side comparison
| Offer | Bonus | Spend | Time | Annual fee |
|---|---|---|---|---|
| Rakuten | $50 welcome bonus | — | — | — |
| TopCashback | Cash back on every purchase | — | — | — |
| Robinhood | Free stock | — | — | — |
FAQ
What is the best pick in best cashback & investing app sign-up bonuses for October 2026?
Rakuten is our top pick right now: $50 welcome bonus. $50 welcome bonus for new members. Cash back at 3,500+ stores. Paid by check or PayPal.
Are referral links different from regular sign-up links?
A referral link usually gives you the same or a better welcome offer than the public page, and the person who referred you may also earn a reward. It costs you nothing extra.
How often is this list updated?
Offers are re-checked regularly against each issuer's terms. Every offer guide shows its last-verified date. Always confirm the offer on the application page before applying.
More lists
ReferralMama may earn a referral reward if you use these links. Offers change and may differ for you. Check each issuer's terms before applying.